{ "source": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/FlexiLine", "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).", "data": { "features": [ { "featureType": "EXTRA_REPAYMENTS" }, { "featureType": "NPP_ENABLED" }, { "featureType": "NPP_PAYID" }, { "featureType": "REDRAW" } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "20000.00" }, { "constraintType": "MAX_LIMIT", "additionalValue": "2500000.00" }, { "constraintType": "MAX_LVR", "additionalValue": "0.80" } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "18" } ], "fees": [ { "name": "SETTLEMENT_FEE", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "350.00" }, "currency": "AUD" }, { "name": "TITLE_SEARCH_FEE", "feeType": "UPFRONT", "feeMethodUType": "variable", "variable": { "feeMinimum": "38.20", "feeMaximum": "191.00" }, "currency": "AUD", "additionalInfo": "Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost." }, { "name": "FURTHER_APPLICATION_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "Payable when you ask us to increase the amount of credit." }, { "name": "SPECIAL_ATTENDANCE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date." }, { "name": "VARIATION_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "Payable when we agree to any request by you to vary the terms of your credit contract (including varying your interest rate or switching product types)." }, { "name": "EVIDENCE_RETRIEVAL_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction." }, { "name": "CHEQUE_DISHONOUR_(INWARD)_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "12.00" }, "currency": "AUD", "additionalInfo": "Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "DUPLICATE_STATEMENT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request." }, { "name": "DISCHARGE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "395.00" }, "currency": "AUD", "additionalInfo": "Payable when we agree to discharge any security." }, { "name": "SECURITY_REVIEW_FEE", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "275.00" }, "currency": "AUD", "additionalInfo": "Being the amount of costs and disbursements we have to pay a valuer for a valuation of any security. Fee may be waived for owner-occupied and residential investment lending where the loan-to-valuation ratio (LVR) is below 80%.", "discounts": [ { "description": "Security Review Fee", "discountType": "ELIGIBILITY_ONLY", "discountMethodUType": "fixedAmount", "fixedAmount": { "amount": "275.00" }, "additionalInfo": "Loans that meet the Loan-to-Valuation Ratio (LVR) eligibility criteria are exempt from this fee.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf", "eligibility": [ { "discountEligibilityType": "OTHER", "additionalInfo": "Loans where the Loan-to-Valuation Ratio (LVR) eligibility is 80% or below are exempt from this fee." } ] } ] }, { "name": "LOAN_DOCUMENTATION_COSTS", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "325.00" }, "currency": "AUD", "additionalInfo": "Additional costs may apply including, but limited to, situations where there is more than one residential security property in differing ownership or States, or where guarantees/trusts/companies entities are involved. Any additional costs will mirror those charged by our Solicitor. Fee may be waived on owner-occupied and residential investment lending where the loan-to-valuation ratio is below 80%", "discounts": [ { "description": "Loan Documentation Costs", "discountType": "ELIGIBILITY_ONLY", "discountMethodUType": "fixedAmount", "fixedAmount": { "amount": "325.00" }, "additionalInfo": "Loans that meet the Loan-to-Valuation Ratio (LVR) eligibility criteria are exempt from this fee.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf", "eligibility": [ { "discountEligibilityType": "OTHER", "additionalInfo": "Loans where the Loan-to-Valuation Ratio (LVR) eligibility is 90% or below are exempt from this fee." } ] } ] }, { "name": "MONTHLY_SERVICE_FEE", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalValue": "P1M", "additionalInfo": "Payable on the same day, and in the same manner, as any repayment on your loan. This fee will be debited to your loan account on the last day of each month." }, { "name": "OVERLIMIT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "Payable on any day that your loan account balance exceeds your amount of credit (maximum credit limit) at the close of business. This fee will be debited to your loan account on that same business day." } ], "lendingRates": [ { "lendingRateType": "VARIABLE", "rate": "0.0886", "comparisonRate": "0.0899", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED" } ], "cardArt": [ { "cardScheme": "VISA", "cardType": "DEBIT", "title": "Visa Debit Card", "imageUri": "https://secureapps.bankofus.com.au/ibank3/Images/OBDebitCard.png" } ], "productId": "FlexiLine", "lastUpdated": "2026-05-21T08:59:07.000+10:00", "productCategory": "RESIDENTIAL_MORTGAGES", "name": "LINE OF CREDIT", "description": "FlexiLine is a line of credit facility (loan) secured by a residential mortage that provides great flexibility.", "brand": "BNE LTD", "brandName": "Bank of us", "applicationUri": "https://bankofus.com.au/home-loan-pre-approval?refer=home-loans", "isTailored": false, "additionalInformation": { "overviewUri": "https://bankofus.com.au/home-loans", "termsUri": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "eligibilityUri": "https://bankofus.com.au/home-loans", "feesAndPricingUri": "https://bankofus.com.au/home-loan-interest-rates" } } }